Your Fresh Start: Reclaim Your Financial Power

Debt and credit struggles don’t define you—they’re just part of the journey. With the right plan, you can rise above, rebuild your credit, and unlock a future full of potential. Let’s make it happen!

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Credit & Debt 101: What You Should Know

We Help You Pay Off Debt and Improve Your Credit Score

What is Credit?

Think of your credit score as your financial reputation. It reflects how you manage borrowed money and helps lenders decide whether to approve you for loans or credit cards.

What is Debt?

Think of debt as a stepping stone. Managing and reducing it effectively can open doors to better financial opportunities and peace of mind.

Benefits of Repaying Debt

Think of repaying debt as investing in your future. Every payment you make brings you closer to financial freedom and new opportunities.

Benefits of Rebuilding Credit

Think of rebuilding credit as opening new doors. Every positive step helps you regain financial confidence and access better opportunities.

QUICK FACTS
How much of your credit score is determined by on-time payments?

35%

What’s the maximum credit score you can achieve?

850

How many days late before a payment is reported to credit bureaus?

30

What’s the minimum credit score needed for a mortgage?

620

When was the first modern credit card introduced?

1950

FREQUENTLY ASKED QUESTIONS(FAQs)

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Help Center

guide to dealing with delinquent debt

Got More Debt? Check Out Our Free Support Guide

If you're behind on multiple debts and unsure what to do, check out our eBook: Guide to Dealing with Delinquent Debt. This eBook provides a strategy for organizing your finances and covers; topics ranging from dealing with debt collectors to being sued.

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